GOSI - Government Organization of Social Insurance (Social Insurance Law of KSA )
Overview - Occupational Hazards Branch (OHB) is one of the two insurance branches (of GOSI) which provides benefits in cases of employment injuries.
The other branch is called Annuities Branch which provides benefits in cases of non-occupational disability, old-age, and death.
OHB is compulsory applied to all Saudi and non-Saudi workers
Exceptions are the following
1. Domestic workers / family drivers - however they are free to
be treated in a government hospital as long as they have valid Iqamas
2. Foreign workers who engage in works which usually take no more than three months.
3. for more exceptions see Article 5 of the Social Insurance Law.
Disability and Death Benefits Computation (under OHB)
Permanent Disability Benefit Computation ( if the worker's age does not exceed 40 )
- Salary multiplied by 84 (or number of months in seven years)
- but wont exceed 330,000SR
for example ang sahod ng isang worker ay 4000 at entitled for permanent disability benefit ang computation ay ganito.
4000 X 84 = 336,000 , so ang matatanggap ng worker ay 330 Thousand lang.
Partial Disability Benefit Computation ( if the worker's age does not exceed 40 )
- Salary mutliplied 84 (7 years) multiplied by the percentage of disability (if disability percentage is equal to 50% to 99%).
for example ang salary is 4000 Sr at ang percentage ng disability is 70 %
then
4000 X 84 X 70% = 235,200SR
if the disability percentage is less 50% then
- Salary mutliplied 60 (5 years) multiplied by the percentage of disability (if disability percentage is less than 50%).
- note the percentage of disability must be declared by gosi at their physician. disability percentage must be 1 % to 49 %
- but wont exceed 165,000 SR
for example ang salary is 4000 Sr at ang percentage ng disability is 30%
then
4000 X 60 X 30% = 72,000
Death Benefits ( if the worker's age does not exceed 40 )
Death Benefits computation is like that of Permanent Disability benefit.
- Salary X 84 but not more than 330,000SR
For workers above 40 years old
bawat taon na sumubra sa 40 ay ibabawas doon sa total months ng matanggap na benefits ng worker
For example ang edad ng worker na nagsuffer ng total disability or death ay 50 years old.
then 50 - 40 = 10
so instead na 84 months na sahod , 74 months na lang. (same for partial disability with a disability percentage equal to 50% or more)
- for partial disability with disability percentage of less than 50% then it will be 50 months only (60 minus 10).
condition : ang computation ay hindi bababa sa 36 months na sahod .
- lahat ng benefits entitled to a foreign worker are paid as lump sum.
Note :
Foreigners who come here with visit visas are not covered by the Social Insurance Law (Note they can never be considered as legal workers / their passports have visas with "Not Permitted to Work" stamp).
Self inflicted disabilities and self inflicted deaths are not covered with the OHB.
Another exceptions are the Disabilities or Deaths caused by the employer towards the worker However, Private Right of Action (for compensation) can be filed according to the Criminal Laws (Laws of Criminal Procedure).
Now let us talk about OWWA Insurance and Health-Care Program Benefits
a. Life/Accident Insurance
A member is covered with life insurance for the duration of his employment contract. The coverage includes P100,000.00 for natural death and P200,000.00 for accidental death.
b. Disability and Dismemberment Benefits
A member shall be entitled to disability/dismemberment benefits ranging from P2,000.00 to P50,000.00.
c. Total Disability Benefit
In case of total permanent disability, a member shall be entitled to P100,000.00
d. Burial Benefit
A burial benefit of P20,000.00 shall be provided in case of the member's death.
Tasyo Reactions :
Hindi man natin pinangarap ang mga halaga ng pera na mga ito. Palagi man nating pinagdasal na malayo tayo sa kapahamakan. Minsan hindi rin maiwasan na isang kababayan or kaibigan ay makaranas ng masamang pangyayari. Minabuti po nating ipaliwanag ang mga benepisyong ito para lahat tayo ay magbabantay para sa ating mga karapatan.
sa GOSI, ang mga lehitimong na manggagawa ng KSA, ay halos walang binabayaran pero napakalaki na protection para sa atin. Sigurado mong makuha kung lalakarin mo.
sa OWWA, sapilitan pa, hindi ka makaalis ng Pilipinas kung di mo ito babayaran. Ang nakakalungkot, pahirapan pa para makakuha ng benefits.
25USD ba kamo? ilang milyong Pilipino umaalis ng Pilipinas taun-taon?
kahit sasabihing isang milyon na lang, eh di 25 milyon yon, di ba ? DOLYAR PA..
teka ilang milyon nga ba tayo OFWs lahat ?
Maraming Salamat,
TAS
PSG : (Pahungaw Sa Gibati)
- Naawa pa rin ako sa mga kababayan na local hire dyan sa POLO-OWWA. Lalo na yong mahigit isang dekada na nagtrabaho. wala silang GOSI. Wala rin silang benepisyo katulad ng mga staff na pinadala galing sa Pilipinas. Pero kung iisipin nating mabuti, these local hires are OFWs din. OFWs na pinili magtrabaho sa gobyerno natin para tumulong ng kababayan. Kailan kaya maawa ang DOLE, POEA at OWWA sa kanila no?
"Mao ni Lisod sa mga nakaposition ug taas sa gobyerno. Di kahibalo mohuna-huna. Way mga konsensya. Loog ug kasing-kasing. Pero kung mawala na sa pwesto, aw palooy-looy dayon..Mura pa ug true kunuhay ang luha. Arang ka itom diay ang muta. Da uroy Ninyo!"
"Unja ra ba uroy ug maglisod ug panagang, pasumbingay ra ba dajon 'ang hirap kasi ng justice system ng saudi' . Ngek kamo dinha ang unjust. Ay sus arang ka bala baya ninyo. Kahibawo ba mo ana?"
"Secretary ug Admin tood mo, pero sa amoa tig-tugway ra mo ug kanding"
References :
http://gosi.gov.sa (Articles 35 and 36 of the Social Insurance Law)
http://mol.gov.sa (Articles 40.4, 92.2, 132 to 141 of the Saudi Labor Law)
http://owwa.gov.ph (nandyan nga sa website nila nakasulat, pero pwede nila baguhin yan anytime. Dyan naman sila magaling kung saan pabor ang hangin, doo pupwesto) Gimboy "TAS" Espiritu
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GOSI-KSA and OWWA - Benefits Explained
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Posted - 02/25/2008 : 07:08:29 AM
